




































• ■* J. * 'K-*' 4 o * • 0 j. * -P o ASA'S • A A 4 '^r/l/-*’* „ ? 

•™\\V* “ ^UB^ 7 " owW^' .i>«* 


\V^ 


• * 


S,/ 


‘ ^ s. 



** y 

o V 


o % & 't 

t V-S* ^ 

r° yv 

mV .v ^ v 

, A V - • ‘ S % • 

* \ c° .'A. °J 

: w ;< 



> * <y> & o 1 

<& *' <r *> A <> ^.T* ,G V *0 'oTT-' A <v 

=> 0 ^ ^ c 0 ^ ^°° y* / t .-o o y % c °"° -* 

^'V \^§m§: y °^ 'Wimt? ^ 0v b y §* y-v : y^S: <nk« ..«. 

+o '-..>•* A* 'MS %</'•• *** y* ^ ° 

a 0T . • L * * O A c 0 " c ■* <$A rA . 1 ' • „ ^ O 4^ r 0 “c b 

b < -/ '‘<^NV t* c ^ ° 

v >- -o< . . ^b K 0 “ ^U 




• o x 


4 O^ 

^ r<. 






*b 


, U V. ° • » * 

"'V C 0 V , ■' ‘ •*. o 0 a 4 1 * 

^ :0m^’- ■%>* 




4 ° -7*. * * < O. * O ,0t * • 4 o 

0.4* ^ ^ ^ ‘'0.4*'* A^ ^ ^ ^ 

A> C 0-., 0^ ,t.. 4 ^o 4<i> -■- ^ ^ 

A 
o V 




A* 



’’Vv « 
^ o 


4 O' 
^A A 



vx v V 
o v 


4> 



V ‘^ T ’'y' v V^‘V * %/^’V' 

•- ^ A -^S'- b. a 4Vv ^ A « . 

VA :i|SA: As J ;miM!b,°. <-\ x 

o <• S o V/VAA>AV- » 

, » <p o vJl\K * av . C^JSiflPrl . a‘ 

v -or ^ <?* -%®r% a- 

• 'o . 4 4 A 4>^ - - aV 

^4 0 o « o „ ^<P 

:«fe^- :]fi|i^*- - oV * 





J «(5i^ ° ° 

‘-XS®4* ^ °* 

4 . 7 ^, A- ^ 

" 0 ^ . t - » . *^ G 


vv 

^^4 



% '•"■ 

c\ 0 * * * °* > 

- V** 0 


s <y \ ‘'•'^ 

V lA', C\ 

♦ *- 


.', -v/«»\\)** ^ - V (PI(lJf,Pf 0 

^ °- <r^v 'y -V ^ v v 

'••’ A 0 V o 'o.*4 A A *' _ < 4 A^ ' 0 . 4 * A <^ J 

r *p f o V t • 1 ' 4 *, "^o ^ ,° °4 ° % ,0^ <^ 





• d 9 * l 

0 -^ *»- 0 ° ^0 0 ^ ‘'••'*'<<F' 0 °^. ° « ° 0 ^ 0 ° ^ 0 °^. '*•-'• 

^ ^0 •*••-. > v N ^ 4 >b'-v c\ 40^ •'*£* > J * S VC'* <^4 

v.^ 'ma; V ‘^A. . , 

* > ^. 'i&s&s .4? ^ ^vv ^ j , 

'b ' * * * ^ G t » . ^ ° • ‘ o M o ' * * * * ^ 6 * 'o . 4 * ^ ^ 4 ^ 7> 

^b>4 - . jgF>(\ //y^-, -* \N v <SboA\r^k^ w 




2 


o \0 V*, *■ 

Cn\v 8 x> > V + <^y///u^ - 

,9 b \> 

4> A . 

r. : 

> \\3&J °. 


^5 ^ * 3 b *« 

\ "*».»’* ,0° ^ ‘^T 4 ’ *’ 

V % 9 ^ .!••. % 

o ^ ^ * <y , '^M// ° b> ^ 

* 0 4 A' *^>4 • » aS ,^4 o ‘ 

\ ‘^4 4 A^ ^ V^\G* \ * 

'* Sj«»Z' ^ SJmw.\ c ^ y*/mL- °o 

V >b. 4 ^ 0 *•» ^4 V *>* 

0 r • • ^0 * 


M 0 


o , <\ 




°o 
;. 




:^5o^. v-s 1 :; 

J* "* ^NhJII^^ 0 v> 'b k 0 '^A/" vV^^'v" * A^"^. ■* 

C 44 * ckT'VAi » <iA o v a-^ \Vr •» a * A. • 

^ <l v Ai- • c? ^ •& 

^..* 4 .0^ \5 ' 0 . 4 - A. <. 

-. *, c° ,w?A- °o ^ • - 

^ o< • -*W-^ . 



•>* 4 ^ 

o V 



■ « «■ 

*• '£ 
U'lY ^ -o 


,» 0 ^ -!W.' I^ 0 % ’‘‘ZiMi?; 4 * 10 - *‘.^^D’> ; >0 ' 7 4i. -W«<r.- 4- 

; V ; -g&: %4^ A\ y / •», V A': \/ :^ : V ^ 

A ^ ^ y" s ^ ° j wf* y y sS y v ^y 

y '••»* y '“•*• a <, ''aT 4 ,g v ^3 

c^s/b 0 ^ t• 1 1 *" o y c°"° ^ 

Sr G * 1 &/f?yy ° Nj 

o' 


A 


.A 




4 O^ 

«A ^ 

■ 7^-^/ d^ o 

v % v;o 






■ 4 ^— . lSJJf<*' * 

<i> " ' / 

1*0. 4 > 



V ^ 44 . , ^1 ^cr ^ v *^i» ° • 

v <b V ' • . ' s <(> v3 

A V c o » c „ <$> 0 V . i < • "^q 

* v y /^v V c u o 

-ov 8, .•■’^»: -U 0 1 



4 O^ 
^A -<• 


- y y 

A , ^ 4, 

: y 0 ^ . K i 

* y^" ° 0 'y^y*' o' "y y 0 ■ 0 

a °^ °“° y v *•<’• y o ^ 4 '°-° o y 
v t ys. <b /4\\ y y\ 4 yv^ y y - 

/\ ^ v \ \^k ; " 

’ * * .A b- / * * * ^ 4 G'* O '° . 4 * A •£ 

1 ' “ * <D C 0 M 0 •* < 5 *^. y .'•'*. ^ 

0 a 4 4 ^w- y> c° 1 

«bf ^ 





...y'\f/Wy 

aO »;*°r > V s‘ *'4 CV O' » 4 * 

^ A > ^§gy . ** ** \./ :’ 

v a '-.^K‘ y\ as^*’ ^ v \ 


“ 0 - Sa 
^V.vS 't 


\ y <> 

y c °_“ ° -. _ <b 

- * <>* y 

• O V 

'S ^Ws&s* cS O 44 - nvvjj- . o “. ^CCIT-^ - f 

> 9 .-a:,-. <a A .<••- > \> , 

* ^4 y v 4 \Wa,o «' 

- \r <y • t 


A. 


a v y 








a 9 i* V % 0 ,. ’ • °, ^c> .v * 4 * * »■ 

V . v jif*W 1 W'* ^ c. ^ A> 

A V * rfO\ /h, ^ <A * « 

_ ; vO ^0 

o*v \mm* ' a 

,* v > -a 

<b ' 




vv O 
o > 



^ o* 


t> A? 

^ a* ; 




s^yy/vm ^ *" » iiwww . ■ 

<*> * 0 ( ,o 9 % 0 O ‘‘ 9(1 .’ ^0 *4> '*•">** 

* V • C\ .<y > 5 *''.v V o 

m*>\ & a, a^W* ^ o *YStt!y* ^ 0 

W :^%°, ^v> u JlSlI: W : 

O'V j ^6w o 0"V ° 

• A° %™'' if X ’” • • • * 6 * °* '•• 4> 

rv' o M o *x~>. * S> - t # • v. r\' o w © 4 v 

o O J* ‘JLtffc!* ** " 

r, v » ^5^'. ... V 

*** 0 




a 4* 



o 

» C G vr> 

A V %A “ * ‘ ” aG ^ *'..*' -A V '« • » 

0 V 0 ° W ° + ^ ** w / * 

V'^'O v^/ \v8oO J»/ ..#> ..%-;*• 

> V o’*°' <^ Ap s 5 ’’% *> V *'-°r cv ,0 V *»v.4 *> \> *» • »4. cv ,0 4*^4 ^ 

t O- o » . 63. ft • *P .A v <- .-v ^ ff?ft» •P , *t> i, ^faPki % ■>. . » f5 ft • -<^> .A v "' .Ck 

v Cc>. °o♦ <3^ v/ \. J .*° a^ '$'. u^-o' <^ v *^a. < mw; A \^ ♦$• 

■* a v r#. '.'wW» i ^ ^ « y 4 <l v %£» ■» A«rwi<r» “ v* . gf » J ■• <C^ v %a. -*^»v7l«iir» v *“ 

a° ^ '..•* A <v '«•»'* A c> ♦ 47 ^!** A '« • * ^ 

0 " 0 " ^O. A^ . • 1 ' * •» ^ . 0^ o 0 ” 0 ♦ "^O v • 1 ' * * 

o 





°, '--,-’V V-—^ 

<^\ aO ^ V" !> ’ * 'c\ 

- V o ’ v ^3fef* ^ a^ ,>V/k- ^ 
i\ ;^SM: ^ ^ 

’ o A^ *P<. * * r 9 v/'- - 15 

.* ^ ^ o> s ^ 

A <, 'o t> * 0 V \d * 4*777* A 

A> .«•>«, 'b. 0 c o * o ^ ^ 0 a\ 

^ /V^7_ -# I (* . m ^J>CVv <»• ^J) 



, o w 


JsP ” 7 ^ 

’ <** •'»^ ir %* ,< J- 

A° -?> *»-o° / 

,<y ,»v% 4> 0 t 

a^ ‘JWS,' vio A ^ a 

- '^* 11 ^ ; vv ; , 

A ^rv - o 

^. «? • f 
- < *a. v *» ^wwwas' •> 

r ^ W -- X- '••»* aO o *4.7,4 A ^ 

^e> 0^ c 0 " 0 -» "^O -O • 1 1 " •» o^ c 0 " 0 •» ”^o A.^ . <• ' » ^ ^ 

^ 0 Vy. C O * 

> v % .4*«4 cv A <r ,>*•'. v % 

J .Wv ^ ■» «• 




v . r 


V 

^ A 

* ^ A v » 

- v*V 

* <y‘ ^ <■ 4T^l|Sr2 * a' 

,0^ *b ^T' A 

0^ C °_I ° 4 _ ^o 




> V t " • ®4 O ^ 


•>- -A 
o V 


O o > 'T^v v 

A 0 A5> • • - o 9 o 

a° 4*^*:* ^ v N 

O 9, a »• 



.’ + n° ^ ' 

~*U '' ' A 

^ V f ■ ‘ - ~ - 

" ^ A ' r\ 

• ^ <y * jcP 

>; v"V 

i * -S vP - o A.V’br o * C* ^r. 

... * 47 * A V *^. o vM\k* <7 'Ca. • 

4 <L V ^ ^ ^ * ^^ -4 

1 ^ ^ ‘ ^ A^ ^ ^ ‘ ‘ ^ % 

0 V c 0 w c ♦ C> \ v , t • 9 ^ ■&> q> c 0 N 0 jf <3 

0 o ^ t y^’, v. -^w'. O 



» C\ J & 4 T ^. 

'b- ' *' 1 ' f 0 ^ * 0 o 

cv aO ,»^ v x 

^ .<0 ^ «■ 


- >J 1 ^ 4 V- rA» ■4' J, Ur*#? T> 

. <. <0 V *4*^.,* A 

.a v . 1 - * ■& cA" ° m o. *K> ^<y 

/ :#£ik, \ A .’^W. J J* •' 

o «5 < b^ 

' K 


,v .. % *^*y ..V->^o. ,/v - 

b *‘^K'- \ ^ V 'iS^- %. 0 .‘^2*V\ V A v . ' 

o :^r^r vv »™//Ao v^r 1 ? 

0 ^ 

A x 


,S vn. 


^ ^ ^ 4’ 

vr*^ V ; s 

■v ^ ♦ A/ 

<> "o , ," .0* O * s ^ >v 

^ fv^ 0 w c 4 ^ « t 

’ ^ o ^ *‘4 


4 o ^ * 4.0 -7* 

<x. < s^s/y/]v(^& > b & 

...■ o 

V *’*«4 C' .0 

Ap 1 , 'jA^^/)i 0 <0 ^ 

Jv/ ^ * 

* -^WfT' A ^ 

. . . t- 0 A 

* O 


H O 
O yt> 


y 





c\ 0 ^ 

o * 1 1 * ^° ^ * 0 « 0 

T, °- ^ a° >L7\ b> 

<0 * A^ * 

°a* V 0 ^ M ‘ ! i=^ - 
y>* 



0 0 


V' °. 



< o 

■0A ^ 

’ y °,. *■■’• <. 0 

V •>**•- c\ aO * 

^ O /jaV/v’o ^ /O 7 

-. „M-$W: a^-v '»jf; a v -v 

^ ■* \u ^ v- •<? » <5, 0 * v. 

<A '°** < A^ '‘■•^T.s 4 .A <*'•.»’' .0^ 

V^ . 1 ' 8 » -0 V C ° " ° 4 ^'0 A^ . 1 ' 4 4 -Or c ° ' 

Sjf/r??^ ’ 0 0 * 4 d e/r??^-' rsr C • 

J? ^ °* ^ °^ 

<sy/ir^c> ♦ ^ ^^U\\VC^ ' N. v 

O * ^ViM^X J) rl» ^ * yi r O 

°* ••'■•• *P ^ 4 '*«» a 4^ °^ * 

^ Vo’* 0 - c\ A 0 . %> V N .■•*<>> 

* <0 * 'pp 0 

- vv * 0 ^ 





r> V 0 ^ * °4 C\ 

• ■%- ^ 4¥a- \ 
X'O 'MM: ^ 



^ V 

^ A *■ A 
V \V y 
V v ; ^ 

® <• S -> 

4 aS v -^y . 9& /^LiLiy £j * a"' 

<LV r^> -* ”>) 

,. o.,- b ^.-:T^ o 

• A . t ' * <£ o^ t. 0 " 0 4 ^O 

J* y K M7£s % C° •‘rfSSr.*'. O •* 

-0/ :mt»- ++* 

j. X. j* vxWwr ' N tC/vV /'yjxf ^ ^4 •** -m - -vv \ v ■v* 

, ’ ^0 ^ J * o , o 0 O' * " 1 ’ ’ 0 ^ * 0 " o ’ 0^ 

A.0 *»V*r- ^ V % V‘°' CV A° vL^L' 4 ^ v % V V- 

.O 4 V -/dS^b ^ O /jAV/v'o ^ ,A ^ A A /jAVa’o ^ O 4 ^ 

o i///y?y\\\v ® C S V j 0 aV*\ * q a^^ ° wwiv * O 

> / % --^P.*v ^ -w.‘ ,/ % ’-Vip,*v ^ -!W* ,/ X \- 

<v 'o.k- ,G V V 0 <A '-•»* O vD "4 /.,* A <*'••** O 

0 ^ 0 » o 4 A 4 1 " 4 ^ 0 ^ 0 ° " 0 4 ^O ,r .t'S A aV 

’ ■ %, G •y^VV', 0 ,0 ,‘jfifZfe' v C .•jSS^Sw*'- ^ .<r *‘r^ ’ , ^- 

4 ^0^ '’o V ' * ***** 0^ - ‘■’x^prr^r ♦ o> r- ♦ ' *" u . “W?g f 

: 0°^ &*+ 9 £3 sm &: - 

\ il > * .ZlJJjjt/ * 1^ y- <»^sllWx xV ^ \ ’ * <VyY jl/iSk Pr a « X» ^ ^ N.' <^v //PjSv ^ a 4^. 1 

/ V--’/ ^'-^\/ %*•-•'/ %*•-•’„/ ^**i 

v % , 00 . ^ ^ ^ ^ q° ^ < 

O . » * .0^ A <* *-o . * »* o^ ^O - *4TV**' A <b *'••»** 

^ w > « <^ 0^ o ° W ° *^0 • *• 1 * 4 0^ c 0 W C “t ^O « ^ , t • $ ** > 

'° ,0 ^ydfTzy ^ , c 0 a'A 'V ^ c 0 

.0 





>* <7 

o > 



: 

A 0 ^ ^ " °^’ 0^ 

^ s'A'k ^ 4 

b ^ o 0 

‘ r v* V • 


< O 
O VP 




\ u Y l, 

* ; a^ r ^ 

O * « , 1 * 1 ,0^ ^<j> ' » 

*V .0^ *JV', b> 

i* A >* .*VSte\ ^ 


8L 4 . N * 

a: ^o 0 

‘- 1 


0 N 0 






















Committee of the 
Albany, New York 
Chamber of Commerce 
appointed to investigate 
the question of 
Moderate Cost Houses 


September 1910 


COMMITTEE 
OF THE 

ALBANY CHAMBER OF COMMERCE 

Appointed to investigate the cost of 
Moderate Cost Houses 


Edmund N. Huyck, Chairman 
De Lancey M. Ellis 
William B. Jones 


OFFICERS 
OF, THE 

ALBANY CHAMBER OF COMMERCE 

FOR 1910 

Frank C. Herrick, President 
Danforth E. Ainsworth, Vice-President 
George D, Babbitt, Vice-President 
De Lancey M. Ellis, Treasurer 
William B. Jones, Secretary 







Report 

of Committee 
of the 

Albany, N. Y., Chamber of Commerce 
appointed to investigate 
the question of 
Moderate Cost Houses 

September, 1910 


Copyright 1910, Albany Chamber of Commerce, William B. Jones, Secretary 


FOREWORD 

The Board of Trustees of the Albany Chamber of Commerce have for a long time recog¬ 
nized the need in Albany of houses that would rent at a monthly rental within the 
means of the average man. These houses to be located near the trolley lines and to have the 
necessary modem improvements. The housing problem underlies almost every social problem 
that presents itself in the life of the working classes and one of the greatest possible uplifts not 
only to a city but to the individual family is a modern house—even though it be small—equipped 
with the necessary modem conveniences and situated so that at least a small lawn can surround 
it on all sides. 

Some investigations were made two years ago and much interesting information secured. 
During the early part of this year a special committee was appointed by the Trustees for the 
purpose of completing these investigations. At its meeting June 7th, 1910, the Trustees author¬ 
ized the printing of the report of this committee together with such photographs and plans 
as might seem of value. 








To The Board of Trustees, 

Albany Chamber of Commerce 




A' 


Gentlemen.— 

Your committee appointed to investigate the question of moderate cost houses respect¬ 
fully submit the following report: 

Your instructions were to investigate the possibility of building houses under present con¬ 
ditions of cost of labor and materials that would bring a fair net return on the investment at 
a monthly rental of not to exceed $18. Fully realizing that the cost of all the essential elements 
of construction have materially increased in the past decade, we determined to confine our 
investigation to houses that have actually been built during the last two or three years. Further¬ 
more, we have endeavored to select locations where conditions of cost should be as nearly as 
possible similar to local conditions. The possibility of the scheme is being proved constantly 
in such cities as Baltimore, Cleveland, Detroit and many others where rapid industrial develop¬ 
ment is making absolutely necessary the erection of thousands of houses for workingmen, but 
the expense of securing information from such remote centres, and the fact that the very different 
conditions which govern the cost of construction would make such information less valuable 
for our purpose, have led us, instead, to present the following examples of what has actually 
been accomplished in localities comparatively near to Albany. 

We have visited several towns and have personally inspected many of the houses described 
in this report, most of which have been built within the past year. We have every reason to 
believe the cost of construction as given us by the owners or builders are accurate and reliable 
and we are convinced that it is possible to erect houses containing modern conveniences that 
can be rented at prices which the average man can afford to pay. 

Believing that the greatest need in Albany is for detached houses, each for a single family, 
we have given most of our attention to this type, though some examples of two family designs 
are presented which in cost and arrangement seem to us to entitle them to consideration. 


For convenience, the report has been subdivided into two chapters: 

1. One-family Houses; 

2. Two-family Houses. 


All of the figures given are exclusive of the cost of the land. 


ONE-FAMILY HOUSES 

At Amsterdam, N. Y., the committee found some exceptionally attractive as well as con¬ 
venient houses that have lately been built by the Rockton Realty Company. They are two 
story frame houses with stone cellar and built in a substantial manner. Outside dimensions 
23' x 28', with a piazza extending across the entire front and a covered porch in the rear. Height 
of ceilings, first story 8' 6", second story 8'. House piped for gas and wired for electricity. 
First floor contains hallway, living room (12' x 14'), dining room (n' x 12' 6"), kitchen (io' x 
1 o' 6") which has a stationary boiler, running water, granite sink and a kitchen cabinet. Second 
floor contains three bed rooms - 12' x 8' 6", io' x 12' and 9' 6" x io' 8", also a convenient bath 




which contains modem open plumbing, porcelain lined tub and nickel plated fixtures. The 
interior finish is No. i kiln dried cypress; the floors on both first and second floor No. 2 N. C. 
pine except in the bathroom which is maple. 

These houses in a group of ten were erected in 1909 at a cost of $1,800 each. For the sake 
of contrast two styles of exterior construction were adopted, the cost being the same. 

The pictures of the exterior of each style are shown in plates I, II and III and floor plans 
in plates la and I b. The plans and full working specifications have been submitted to the 
Bureau of Buildings of the City of Albany, have been approved and may be found in the rooms 
of the Chamber of Commerce. 

We have given these houses special attention because they seem to us to combine attrac¬ 
tiveness in appearance, with the greatest number of conveniences and an admirable arrange¬ 
ment of the rooms, and further because they have been built in a nearby town within the past 
year. Furthermore, we have secured from the builders of these houses a statement that they 
stand ready to build in Albany ten houses on the same plans and specifications for the same 
price, that is, $1,800 each, thus effectually disproving the statement which has frequently been 
made, that conditions of the building trades and the cost of material in Albany make it impos¬ 
sible to accomplish the same results as economically as elsewhere. 

At Schenectady, the three attractive houses shown in plate IV were erected by Peckham, 
Wolf & Co. during the. past winter at a cost of $1,800 each. These houses are similar in con¬ 
struction and material and finish to those in Amsterdam. They contain the same number of 
rooms on each floor; contain a bath with open plumbing and have in addition a large attic with 
convenient stairway. 

The committee also inspected a number of houses built at Ludlow, Mass, by the Ludlow 
Manufacturing Associates for their employees. 

One group of houses, known as the Weston Cottage No. 1, contains six rooms and a bath, 
each house having a frontage of 21' and a depth of 27'. The houses are finished practically 
the same as those at Amsterdam. They cost approximately $1,800 to build. The elevation 
is shown in plate V and the floor plans in plate Va. 

Another style costing about $300 more is shown in plate No. VI. 

The firm of Witherbee, Sherman & Co. has made a very comprehensive test of the building 
of concrete houses, both in concrete blocks and with stucco finish at its industrial village, Mine- 
ville—five miles from Port Henry. About fifty houses have so far been erected at very low 
costs under conditions which are said by the officers of the company to be no more favorable 
than in Albany except in the cost of the refuse iron ore tailings of which the concrete blocks 
are made. This material in the proportion of 1 part cement to 5 parts tailings may be moulded 
into a strong and attractive block, and could be used in Albany at a comparatively low cost. 
In the interior one inch furred strips are nailed to the inside of the block and upon these wooden 
laths are nailed. Pulp plaster is employed, the floors are single, either of birch or maple and 
the roofs are of second quality Green Granville slate. On account of the locality there is no 
plumbing or water supply. 

One group of these houses containing six rooms are 21' 10" x 30' 4". The first floor con¬ 
tains 3 rooms, 8' 1" x 12' 4", 15' 8" x 12' and n' 5" x 8' 7" The second floor contains 3 rooms, 
11' 5" x 8' 7", 8' 1" x 12' 4" and 12' 4" x 15' 8". These houses cost $1,000 to build. The 
addition of plumbing and water supply would probably increase the cost not to exceed $300. 


Another group of houses, the elevation of which is shown in plate No. VIII and floor plans 
in plate Villa, cost the same firm $1,025 each to construct. This type is about 30' x 26'. First 
floor has living room (12' 8" x io'), dining room (14' x 14'), kitchen about g' 5" square, pan¬ 
try (9' 6" x 4'). 

Second floor has 3 rooms, io' 9" x 14' 2", 14' x g' 6" and 12' 6" x io'. 

A seven room house has also been erected at a cost of $1,100. See plate X. 

TWO-FAMILY HOUSES 

The Ludlow Manufacturing Associates at Ludlow, Mass, have erected several types of two 
family houses, two of which are described below. 

The type called the Plymouth Cottage is an'eight room twin house with piazzas and 
entrances on the side. The entire house has a frontage of 30' 6" and a depth of 28'. Each 
of the two tenants has on the first floor a living room (io' 11" x 15' 3"), kitchen (13' 8" x 
11' 3") and two large closets with small hall, and on the second floor, two bed rooms (io' 11" x 15' 
8"—id 8" x n' 3") and a bath. These houses were erected at a cost of $2,600 each. Plate 
XIla shows floor plans. 

The company has also erected a twelve room twin house which they have named the Long- 
meadow Cottage. This house has a frontage of 33' 6" and a depth of 38' 9". A piazza extends 
partially across its front from which each apartment is entered. Each of the two tenants has 
on the first floor a parlor (11' x 13' 3"), living or dining room (11' x 16' 9"), kitchen (io' 9" x 
16' 9") and hall; stairs winding up from center or living room. The second floor contains 3 
bed rooms (io' x 16' 9"—io' x 13' 3"—io' g" x io' 9") and a bath with ample closets from 
each bed room. These houses were erected at a cost of $3,400 each. Plate XII la gives the 
floor plans. 

The firm of Witherbee, Sherman & Co. have also built at Mineville some attractive twin 
houses of concrete blocks. These houses have a total frontage of 52' 4" and a depth of 29' 4". 
They contain fourteen rooms, allowing for each tenant three rooms on the first floor and four 
on the second. Those on the first floor are io' x 12' 6"—13' x 14'—n' x 13' 2", and on the 
second floor 8' 3" x 12' 3"—n' 9" x 12' 11"— g' 3" x 15' 5"—9' 5" x io' 4". These houses 
cost the company $2,650 each, this price not including any plumbing. For elevation see plate 
XI and for floor plans see plate XIa. The houses built by Witherbee, Sherman & Co. at Mine¬ 
ville are described at length in an illustrated article in the “ Cement Age ” of September, 1909. 

At Barre, Mass., some convenient two family twin houses were built during 1908 and 1909 
and more are in the course of erection by the Barre Wool Combing Co. The foundations are 
concrete, the houses are frame, shingled. The interior is finished in cypress and the floors are 
rift hard pine throughout. These houses contain twelve rooms, allowing for each of the two 
tenants three rooms on the first floor, size being n' 3" x io' 6", 17' 3" x n' 3" and n' 3" x 
n' 6", also a good sized pantry. On the second floor three rooms, 13' 6" x id, io' x id and 
n' x id 6". The latter room being generally used as a bath. The cost of each twin structure 
including plumbing and range was $2,067.43. The elevation of the house is shown in plate 
VII and the floor plans in plate Vila. 

At Schenectady the committee found an exceedingly convenient two family house designed by 
C. G. Van Rensselaer of Schenectady. This house is 24' 6" x 48'. The first apartment con¬ 
tains parlor, dining room, kitchen, three bed rooms and a bath, together with hallway and 


several good sized closets. Second floor contains an additional room which may be used as a 
small reception room. A large porch is built on the rear with stairways. Cellar arrangement 
for heaters, coal bins and other conveniences. The house has slate roof, birch veneer doors 
and hard pine trim all through. Finished floors of Georgia pine. Plumbing is white enamel 
iron with nickel plated pipes where exposed. Hot air heating. This house has recently been 
completed at a cost of $3,400. Floor plans shown in plates XIVa and XI Vb give a good 
idea of its convenient arrangement. 


SITES 

The committee has also investigated the question of available locations. Sites have been 
found in various parts of the city, some within a short walking distance of large manufactories 
and others within a few blocks of trolley lines. Both improved and unimproved properties 
have been located but all of the sites selected are level, thus requiring practically no expen¬ 
diture either for fill or excavation. The varying dimensions of the sites selected, the difference 
in cost per square foot on account of location and the fact that some properties are on improved 
streets, others partially improved and still others without any improvements whatever, make 
it impracticable to* furnish the necessary data in this brief report to permit of intelligent con¬ 
sideration on the part of a prospective purchaser. Furthermore, it is believed that some of 
the sites at least may be obtained at a figure somewhat lower than that asked for them if a bona 
fide offer were to be made. 

The full data that the committee has gathered in reference to sites is on file at the Chamber 
of Commerce for the inspection of interested parties. Furthermore, the working plans of all 
the houses referred to are likewise on file and in some instances complete specifications have 
been secured. Access to all of the above material may be had upon application to the Secretary. 

The results of our investigations have convinced us that it is possible to build desirable 
houses in Albany to rent at not to exceed $18 per month and in reaching that conclusion we 
have based our calculation on the gross yearly return of 10 per cent on the investment. We 
furthermore believe that Albany capitalists and manufacturers who realize the need of 
such development in this city will be willing to employ their funds in the building of houses 
on this basis. 

Respectfully Submitted, 

Edmund N. Huyck 
DeLancy M. Ellis 
William B. Jones 

Committee 



Plate I.—Front elevation of house erected by Rockton Realty Com¬ 
pany at Amsterdam, N. Y. Cost, $r,800.00. Floor plans, Plates 
la and 16 . 





/• 


E 




Plate II.—Front elevation of house erected by Rockton Realty Com¬ 
pany at Amsterdam, N. Y. Cost, $1,800.00. Floor plans, Plates 

la and 16 . 


Plate III.—Rear elevation of house erected by Rockton Realty Com¬ 
pany at Amsterdam, N. Y. Cost, $1,800.00. Floor plans, Plates 
la and 16 . 



Plate IV.—Group of houses erected by Peckham, Wolfe & Co. at Schenectady, N. Y. 
at a cost of about $1,800.00 each. 





























































-V 

/- 

0 

1 — -{ 

| 3 


— 

1 - 


/, K °^ „ e&xoG 


Plate I a .—First floor plans of house erected by the Rockton Realty Company at Amsterdam. N. Y. Elevations shown in 

Plates I, II and III. 



3£CO/VJD -37-o^y /ZrootL 










































































































































































Plate V.—The Weston Cottage, No. i, erected by the Ludlow Manufacturing Associates at Ludlow, 
Mass. Cost, $1,800.00. Floor plans shown on Plate Va. 



Plate VI.—Group of houses erected by the Ludlow Manufacturing Associates at Ludlow, Mass. Interior 
arrangements about the same as the Weston Cottage, No. 1. Cost, about $2,100.00. 



Plate VII.-—Two family, twin houses, erected at Barre, Mass., by the Barre Wool 
Combing Company at a cost of $2,067 43. Floor plans plate Vila. 
















Plate Va.—Floor plans of Weston Cottage, No. i, erected at Ludlow, Mass, by the Lud¬ 
low Manufacturing Associates. Cost. $2,600.00. See Plate V for elevation. 




riLJT r L 0 0 JL fLAAl JEC-OAIP FL 0 0 l PLAN 

Plate Vila.—Floor plans of two-family twin house erected at Barre, Mass, by the Barre Wool Combing Company at a cost 

of $2,067.43. House shown in Plate VII. 

















































































































































































































Plate VIII.—Concrete-block house erected by Witherbee, Sherman & 
Co. at Mineville, N. Y. Cost, $1,025.00. Floor plans, Plate Villa. 



Plate X.—Seven room concrete house erected by Witherbee, Sherman 
& Co. at Mineville, N. Y. at a cost of $1,100.00. 


Plate XI.—Twin house built of concrete by Witherbee, Sherman & 
Co. at Mineville, N. Y. Cost, $2,650.00, exclusive of plumbing 
or heat. Floor plans, Plate XIa. 































29'+' 




Plate Villa.—Floor plans of concrete house erected at Mineville. N. Y. by Witherbee, Sherman & Co. Cost, $1,025.00. 

Elevation shown in Plate VIII. 





Plate XIa.— Floor plans of twin house built ot concrete and erected by Witherbee, Sherman & Co. at Mineville, N. Y. Cost, 
exclusive of plumbing or heat, $2,650.00. House is shown in Plate XI. 


Z 60 
































































































































































































































fll/T FLQU PLAfl 


J-LC 0 71 P fLOOL PL A /1 



Plate Xlla.—Floor plans of Plymouth Cottage. An eight room twin house erected by the Ludlow Manufacturing Associates 

at Ludlow, Mass. Cost, $2,600.00. 



IIO'X 


133' 



f ! L*/ T 


Jl P— - 

-3 3 6 " - 

FLOOl PL A N 



*/EC0/n f L 0 OIL PLAPI 


Plate XIIIo.—F loor plans of Longmeadow Cottage. An eight room twin house erected by the Ludlow Manufacturing Asso¬ 
ciates at Ludlow, Mass. Cost. $3,400.00. 


S» 1 


































































































































































































































































































































Plate XIV6.— Second floorplans of two-family house erected at Schenectady, N. Y., from plans drawn by C. G. Van Rensselaer of 

Schenectady, N. Y. Cost, $3,400.00. 

Copyrighted, 1910, by C. G. Van Rensselaer, Schenectady, N. Y. 


s3£C0sY<0 fTOO& 


































































































































































































































































PRESS or 

THr BRANDOW PRINTING COMPANY 
ALBANY, N. Y. 


























V 



4 -s ° r 

, „ AO a »' 3 V ft 5 j« 4 wr : if * 4.0 V, * A C> 

' ° c_ > «<> , /z®?oP s $• d-* ^ W'II^XnnA ° -0- 

_ .' A o VW-*V A % '>W.' A o 
v .’•<>, cv ,0 *»••'* , 

♦!aVa % ^ -A 

V A * 




0 " « 4 I 

_r>tv ^ 



** A '°.A .G v 

U A . •■ ' » 4 d> 0 ^ C 0 " « 4 ^ O 

1 % ° yr *v. . c - 

* iP *r. 

a i<C» * 


;- ^d« 

• 4 -\ 




.SUf'.* > V- V lW- ; : . 

A c - 4 , <^ o^ c o -° ",, ^O 


- ™VVN^ ° A ^ £ *+ A ^ V 

» a ^ / o aW*s _o %. '>wv a o *•’ - 

■ s s . JPis - •W 1 -JPM: W * 

"V "w®Sf.* a Sj v. A-3=? “ •»!;;• c^>^. 

■A-°- ■•' A \''--- -''.v % <X 
* ■» ^ - 0 V ° " u - - 


xxv™^. °^V MLJSM - 

im 3 ^ ° v\ V *V 

■- ... 4 A A 0 V 

*b/ tm&j;. ++ 0 * ;^| 

,0 




’° ^°* '?w& : f’ 7 * 

V % • ’ • c\ x0 

.A Ai*° c' 

- ° CP 

cv 


cr 

' / O 

°»“ A * * ' 1 * 

V «’*°' c\ 

-£ 35 sr~*gs>, x'a- °^F^: vv :^E 3 ^- 'ft 

4 V A o w/^CrA? * A ■* >A'»vlA’ ° A o vy/%^v\v * A ^ J ° A^ -<, 

^ %> •’Wl* / A •-^^.- ** ■* ‘/w*,/ A •-nSs** .■«• ' 

<A 'o.* 1 * A^ ^o. A <v* ' 0, ‘ A° °J*. '••» A \^ 

.H> . t' », <A 0 V c “V - ^o A t • 1 ' * * Af r 0 ^ c J«y! *<- ^°o J-^ ‘ * l J»t,’ 

A *'se/lTTph' . ▼. , o ,’A5 a\vC' ° A ^ ^ ♦ je/rr/^i 

*+# a^wa. 

l0 



Td> « 
o' 



*AAT 4 A O A v 

,^o A> <A o^ c 

A ° A, ^0 

%>► A ' JQm/Z/P* A 

o V »^ o 

— ^’ *' - • « _ 


4 O t * q ^-1 c> >. * 4 ° v*, 

^ A < A ^ - AAl/; * Ac. *'i 

*• —Csl/V - y* Q “i *> O * t'lJ- ' A -0 ^ y '* S ^' # 

3 o j v •...» y o *.,,• .0 *> ••*•’ 

’*°- C* A »*V% A v CV A *A * 

- % A* SSf Mh r. 'A A^ »>Va° « 

°JPi|: : 

a v A> »fw; .A : .a v< V *° 

r- > * V “V 0 vv/ A 7 'X, *&? *<'' 

+ A ^ *'o.A G^ , 

A . i < « ^ o' c o« 0 ^ 

.•J * 4 ^flfVT^/xX ^ -y 0 


rj 4 

vA 



A o +4Z£j/*’i* 0 A, ’^Avv^ 3 "-' y o 

, / %.*"''$? ^ *»* #5 4V 

^ v o ’ * °* cv A V 4 * V a 

• ^s» A' * (A S^A>° ■'A A * • 

: A'V :SIm 0 . ^ A 


A"V “WWW* : A S ^ 

V V> v^V« A ' 
o, A <4 A 0 

A • 1 ' * •» A<> ^o~ 0 0 * a * 

A »V^?, ’ V 0 • c£ 5 ^Yv^ 

v* :Sm£p- 0 < »*A 

-v V@|^' > * ^ ^ 

'V A <i.^ o_ 


VA T ;^\W^: °^!! 1 ^: VV :§»°, 

4 A ^ MJw* A ^ A ^ avJW* J? 'V *®lp* A ^ 

A <A '••»* ,G^ \3 *AaA A <4 'o.A A A> *A.** A 

I I a <P o' O " 0 4 *^0 Jk^ , 1 ' » 4 0 V c, 0 * 0 4 *^Q 

•bv 4 .‘iS^- ^o 4 ; 4 f|i&-. 'of ^w&gA- 4 '-^ 

A °* A A A 

0 -.yyf,< 0 ■v '-.^t-' y o *.w ,♦ 1 / 

’*°- ^ A V s‘V'4 > v N c\ A .»**% > V 

■° ^ A * -y y i i aA 4 • %<, A »t(<\gg/h, "^V A 4 QfpA^ * A * 

o 


". a a /^vA ^ .A' ; 
- ^A '§mm\ 0 

^ v \ ’-^W. : /\ '•- 

A <4 'o.A ,G^ V 

A . l '*4 . 0 ^ AS ^o 


\0 ^ , 



A'V 

1 ■* < 4 % <6 

4 Vs, - #s 1*. «* "^i" B^ ^ 

* A %, "^MT 4 a 

f A A 

0 . 0 A * 



■O' .’ 

. *&M§: ^■v 

- A - V * 0 4 o 0 A °^4 * " 1 * A «> * 

4 .V /v^w 4 /^ A y’* 0 '. ^ ^ 

*0 '*? 5 ^’A ^.'"• • *‘ A. A*** • • -‘'y^ 

j _ 'a <V’ _ 1 . / « <P. r\^ ^ o * o Vv . v 

* U -Ol t • ^ X) / V 0 -JV ^4 Vk 

5 .A v c - 


4' <*>- '*.* .v; 

y , • ■.• -, % y . 

xA ^o 4 

- 4-*=-^» I *- • 4 


i» o' 

• 4 -4 


^ O’ c° " ” + Oj ^ 

■• ^o A" -lillif: 

A’ o ~A4£if-*s 0 "V A' ; AA* o.^ cv AAjJr&s a ^ . 

. .A °^ *" 1 * A V *•«• A °^ " 1 A >> »« 4 

,, , ^ A » ’ • °4 cv A , 4 V;'4 ^> V X 0:* 0 ' <A -40 v 

,0 <* ,A 4 v -./^fe". ^ a ,>Vr ^ A ^ a 4 ^Va° - 

K* *«• 

. 4 A 




d' 

* A 
^V 

•|gy 0 *^f O * A d\. 

§V A ^ A ’ 

* 4 A dy 'o.»* A V 

,A l ^, ^ A 

^ A "Aa 0^ 

4 O 

0 -OA %<v 


^ A 0< v A° ^ a °o *■ ■"■>*’ A° ^a °^ *" 4 

^ A cv A^ A% ^ .!*•- <A A v ,'* •'4 A \> cy 

-G^ A^ ^<4 *'o.»A (A d^ * * # 4 0#> A 0^ ^ A^ 

<A 0 " 0 *^Q . <^ , l < » <^4 0"^ c 0 " 0 4 • L ' * 4 "d 4 * O' C 0 ' ,0 4 O 

• y-syrv 8 O U*^ A*>/!???-. ’ v G * o 4 t i*V 7 /yds ’ 0 8 ^ 5 ^Vx^ < '.. O 

.*.^tai'. - 0 y 4 *o 4 -ov 4 + *o< 

A * 7 d^ !L ^ 






o M O 


O 


O 




V .<? % *•■"’ A° 

^ v> »*V^ c*. ,o v 


" 0 A u <5> 

A> *''°- > V 

j * *° 

<v.&* ^ 

'• % Ac^. °o 

•^o< 


'A- - 0 « o ' ,0 

***' C\ 0^ 

* ^ ,& "iP 

r -/> V * Mft 


0 * A 

o v . r * °- > v * 


<L‘ C\ -> 

A °* • 


-v * ^ *y- o \t-n»pv o 

> V **11'* cv <y o’*"' > V 

• \A ;«: \/ 

^ \ °°ygW<* ^ ^ ’SijP!* ^ \ 

\ y <1 A V O '••»* A "•'A* 4 A* ^ 

>* Ab!A ^ A* i*lll* ^° 5 A .•••- ^ ^ -*■'•- ' 

.-€av. -V * ’ 

* - o V . °'wfra£ . -** o 

? '° ^° ^ vliilfr ^ 

o . O ’ .0 J A 


,0' 




^ A 
o V 



A a 4 **••» *> V 

'•- A/ \A 

% ^#- a\ '-SK* /\ 

^°o* -&P • AA*'- A> r o^ A"* *o 

A * "'fsXvXtY'k* *5'>. , G * -*>sr?7^.* o 

'’oK ++J 

%: 




\0 "7\ 

o 'x-W^' o* A 
°-*- *•■•' 4° V *■•' 

A, A »;*•- A 

•- «c„ t * .vaXr. ' 


'* 3 * 0 A'- 

c\ «0~ 0 

* ^ A "A 

^ v/> 9 * tw 

1 • A** - ■ 

4 A V *$► . 

4» % •■•' „<■ <X *' 

,0‘ ,•'V-, o a 4 + 

”. A 0 ^ v o£ :^"^‘ ~ T - 

A °<. -tsy|>° J.0 A. " ’ " X < 

A •«'%.\VVV^“ ' ^ * A<- 

^ A. 


o ^ A « 
;°. ; 




" " 1 * A 
> V % ^ 

% A A 
vv ° ^ 

C^V 

^ _ 7 V V V%S$*V A.V ^ 

,g o '«*.»• A <, *yr.** (F o 

Ajo- o ° " “ » 0^ •’•'*-» A» c 0 "®.* <^ o^ . 1 " -» As 

. \ % ACsAWn^L *r *y ^ ♦ Jfy///>r2_ .M . -sSaMW -v v» * 

*fev* : mm^\ *°$ 


A <V ,0^ ■ 

A . 0 « - A. A 






\w/- ^^sr-v’ nvA^AW * 

’ * •* v> v 1 . •JAJL'4. c\ <0^ . Y * °- > AA. C\ 9^ , ’ * 

°. W ;®: -41^: *W 

,tg>? 0 c vP zA/A3Avv\T - . Vj>> . * c. .r> 

1^7 > . £> vP. 

A .A •» 





v< v “j' v •; ;5,i: 

•‘ ‘.W - A A '-Wm? 

^ '** 5S a g ^ 'o.x 1 * A <A V -A* s .(y 

,^ y c. 0 W ° « .'■'*♦ "^o \ G c 0 “ ° X, . rO^ 

iv o r^Wy ^ *T ^ t /iXo « O 

A ' a . ^ 4 Jf^z%2k . a 

»>*_ < v o “■ ’ /. _4 

° ^ o 


'o* yO^r ''f§m$: 4>°*« • 

* ' A „K O' 


o 9^ * Y * "> 

■• ^ ** . 

- vv A*^ v ° -^rr^" " v ° g " 

f *‘ /\ : .^®.° /\ : . 

• * * A <A <0 V ^ '«.»'* A <A 

k 0*0^ Xi «. V L / » *^t-v (X. rt W C X> 





'O A e °" •.* ^ 

•ov 4 :*Sllp;. ++<f 
, % -Wf;* ^ o 

0 yp. e , i • o.” O 

*. o. A> 


* 

A .. "v *•'• "’A A 

V siA* c\ A *«*°- » _ 

> ^ Ap Pf5ftV. a®’ ,vVa' ^ 

J ° .S^^As. * WilwY A'Pp. “Y//SI 

<■-*. *'•■•* A 4 " .. %'"•■• 


•& °. 

* A <*. "'T ^ 4 / "O 

A % c o - « * <«» A . u . a „ 

\N v AAviYi'V t, . ^ *if//*z2, » 

«>» A 
o V 


9 Gv Vv °W^ 
‘-%I§^ <A b ^ °.V' 

A° , °^> '*• 

-V 0 ” ■ * An o' .'■'*< o 

>i , 5AWn^*.‘' ^ ° 

nv- A o^N ssa x » 




A *9 V o Y * 

'• \ / -^\Va". ^ ** ' 

*<? vv 

* $ ^ J * *° 

•»* ’ A A %W s ,' 



lo y0 ^ ^ 

> ^ °o^ f 0° <F V C o A° 

°' ^ v A *’**' > v % ' A''v A ^ 

^ < 4 •VfSB»h'. % / .^V/k* t “ ‘ J ^* " 

r •S' 9 « 

c, <S * * 

■ -> .1 


^o 


,V ^ ... 

o 'o.t 1 * a ■<.> *. 

n v .>■<«, *Vj x'i-'' c 0 w 0 4 <>. 

C, u 4 ^,/V>Z-, ■» O .A • xJ^vVv 'r* 

T, . ° * AP'd/Z^ 1 -, » xN v 'SS\\\V 5 k'' T> 

^ o' . * o V 


70 

-* A ^ 'V'<fA> v '<' ^ A -»-^^“4 ■* «• -'^CTijr-v xO 

..*’ ,o^ o a <4 *Fr.<' jz o '».>* a <> 4, 'A** a^ 

qV » l ' » , ”^Q , •^ c 0 " 0 » 0^ .'•'*, Jp - c 0 " ° -* Q^ « t » 

7i G * '’sPtflTfoZ* ° «v G +< i&iflTZzZ !, ° *n * -c s ^tv.^ r ^ 

, ^ ‘ WM&* $ “ > '^^^ , '° ^° ^ A 1 ' v ^ ‘ ^Z/]P&* ‘ k? 

°o "* OMO ’ / ^ **'■•*' a* ^V"* 0 - 00 ^°° ^ "•' i *' a 5 " °°^ "‘'°" o ° f°° ^ 

£>\ J -l|lff* 0 




^'\ rx gr t ^cs> ^ ^ ^Ss \WV/ /Xl : 

A^ «W^‘ aV-^4 : 

^ ^ 4 ?vv\* V ^ "A^JEir/ 

c> 'o.»* a <> 

• L ' * ■♦ ^o a 1 ^- c 0 “ 0 ♦ ^ . o 


A A 


A < Pr' 

A> 

A ^ 



» « 

? ° x G A> ” 


A c° ,* 

bt. 4 ^o 4 •'. 

3 -^ ••' ! ^»'' '• 

“%» FpZ/FF* o 0 - a 

*> " 1 <y %> ° - ° a 0 v 

: : AA :X\ \/ " 

A'To A v<? b 

M<- * A* ^ " > b 

f7 > <L V CV 1 • *£ & ■* 7 ^ 

* s A* 


v> <* v '. • *' .CA o 'o,1* 

* ' 0,l0 *-\ ,0^ V 

: ^ A 

4 O. * 

A ^ 


A ci* . 

.(y & *° * *" A 

0 ^ .' 1 * ♦ o A 

° 


° V 

rA / ^ 

.4 - .* « 4 ,G^ Ay 

oK % r (F r"-‘* °- 

« A. A *■ / 

• ^0 • i 



A 


•»■ A 

'o ^ # c A® 

■» A ' *'5N$vXtr4y’' A x 

- ,- ,™~, - u ‘bk* ••‘^K* ■‘0 < 

>.’ i 0 ->n \«5m§: a°* .o^ 40 ^ 

°^* *°* 0 ’ f 0 ^ *"'* a* ••••• ^ *"’* ^ .. °^ *• "°° ^.° ^ *"* 1 1 -A 

o. x9 v » Y * °- > v * * 71'* 'Ay «0 V » ’ * > V % All/* A <0 V • Y * > V % S *‘x 

* A A *■ « J) • x-N x; <•' T. A ►,« S • Xy XT f. A - - x*lx< 

* ^ ^ ♦ccOfAl ^ ^ ^ # '■rcC\MA,°o a <y ^ <$■ * 

r -iA#W^° vf °M-a^' vv va ^v *r 

* ^ ^ xA S ^ °1 aPPv ^ ^ ^ 

A <7 "'^a* 4 .() a ' o *‘ , ‘ A <7 *A y .A xG^ a 

A c °" ° * A o^* « 1 ' * * o _A o °" °« A o^* • 1 ' * •* ^o 

• ^ o^ * 0 X 0 ^ * .° ^ 6^ . v j3hI& * 

A A vSJfAo* ^0^, A A 

o. k r _ >r ^u\\\\y - * ^ -<ZY/IP& * w ^ ^^xvvvss* % ^ ^<//Ir& ♦ U v 

X.V °x^ 0 - 0 A° •' ’ A °x^ 0 - 0 A. 0 ^ 

v 4 'll!'* <A < 0 ^ A A •••- ^ 

y. X , ,„- t ‘ Zs F A K0 /k® A. 


*0 


x , V 4 

% F * 

0 c 


£* A 


. - * o. 

* VvT^, ’ ^ 


l 1 » 



%-V*- 




